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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $472,744 | $95,959+392.7% | $97,411+385.3% | $138,895+240.4% |
| Participation rate | 88.9% | 81.8%+7.1pp | 80.4%+8.5pp | 79.9%+9.0pp |
| Annual return | 16.71% | 29.30%-12.6pp | 34.72%-18.0pp | 145.39%-128.7pp |
| Employer contribution / active EE | $3,227 | $4,278-24.6% | $4,210-23.3% | $4,194-23.1% |
| Participant deferral / active EE | $5,774 | $5,876-1.7% | $5,886-1.9% | $6,396-9.7% |
| Admin fee / account holder | $20,322 | $7,555+169.0% | $7,145+184.4% | $12,562+61.8% |